I always hear of people's scores going up and down constantly. Is there a way to actually balance them out and keep the same score long term or is this not something that is manageable?
My scores have been stuck so I guess you can say that is balanced? Though I am trying to raise mine. All I have done was pay everything on time and pay off a few debts. I think you have to consider things like car loans, cell phone bills, etc. as I was able to raise my score by about 30 just by paying off an old cell phone bill.
If you maintain a good score, they likely won't fluctuate much. The numbers that tend to fluctuate a lot are below 720.
If you can manage your spending and pay things off on time, your score will not only stay balanced but it will likely increase over time. Just don't miss any payments!
It seems making month to month payments on time every time is enough. I mean my score has been stuck at 600 for a long time now so I guess you can consider that balanced though I need it to get over 700 before the year is up!
Make your payments on time every month. Pay the same amount each month and keep everything consistent. This should keep your levels balanced out easily enough.